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  • Katie Bock

Aug. 25 - Cautious Debtor


Over the past couple weeks Greg has taught us to handle our financial lives the biblical way by teaching us to be Diligent Producers and Generous Givers. If we reposition our lives so these are our top priorities, we will be set up for success both financially and spiritually. However, we still won’t achieve what God wants for us without also embracing the outlook of the Cautious Debtor.


Whereas the world leads us to believe debt is to be expected and is unavoidable, the Cautious Debtor is one who avoids entering into debt. This person is both careful and strategic when incurring debt and is sure to always repay any debts. Our culture encourages us to solve an immediate problem or fulfill an immediate desire by simply pulling out a credit card, but Proverbs 22:7 tells us: “The rich rule over the poor and the borrower is servant to the lender.


Scripture gives us clear guidance on how to view debt. The verses provided at the bottom can be broken down into this basic advice:


  1. Repay debt promptly

  2. Avoid the bondage of debt

  3. Debt presumes on the future

  4. Debt can deny God an opportunity to work in our lives and teach us valuable lessons

  5. Debt can foster envy and greed

  6. Give and pay what you owe

  7. Don’t co-sign

  8. Debt can disrupt spiritual growth


If you’re ready to break the chains of debt in your life, register today for the upcoming Financial Peace University that Justin Wilson will be leading here at Newstart. Also pray on the following verses daily. Allow yourself the freedom of leading your financial life the way God intended!


Psalm 37:21 The wicked borrow and do not repay, but the righteous give generously

Proverbs 3:28 Do not say to your neighbor, “Come back tomorrow and I’ll give it to you”— when you already have it with you.

James 4:13-14 Now listen, you who say, “Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.” Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes.

Luke 12:22-32 Then Jesus said to his disciples: “Therefore I tell you, do not worry about your life, what you will eat; or about your body, what you will wear. For life is more than food, and the body more than clothes. Consider the ravens: They do not sow or reap, they have no storeroom or barn; yet God feeds them. And how much more valuable you are than birds! Who of you by worrying can add a single hour to your life? Since you cannot do this very little thing, why do you worry about the rest?
“Consider how the wild flowers grow. They do not labor or spin. Yet I tell you, not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today, and tomorrow is thrown into the fire, how much more will he clothe you—you of little faith! And do not set your heart on what you will eat or drink; do not worry about it.For the pagan world runs after all such things, and your Father knows that you need them. But seek his kingdom, and these things will be given to you as well.
“Do not be afraid, little flock, for your Father has been pleased to give you the kingdom.

Ecclesiastes 7:14 When times are good, be happy; but when times are bad, consider this: God has made the one as well as the other.

Luke 12:15 Then he said to them, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”

Romans 13:7 Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor.

Proverbs 22:26-27 Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.

Galatians 5:22-23 But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law
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